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Silver Health Plan

REGIONAL HEALTH PLANS

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U-M Health Regional Silver Plan

U-M Health’s Regional Silver Plan is a PPO, which pairs optionally with a health care Flexible Savings Account (FSA).

Is it right for me?

  • Team members who prefer a traditional plan design and generally have lower utilization of healthcare services (ex: annual physicals, doctor visits, prescriptions), or those who value paying less in premium by accepting higher copays and deductible compared to the Gold Health Plan, may be good fits for the Silver Health Plan.
  • Team members planning to have procedures, or other care items which are subject to deductible and coinsurance, in Tier 2 (outside of U-M Health facilities but within BCBSM network) may wish to look at the Gold Health Plan.

Silver Health ONLY Plan Benefits at a Glance (BAAG)

Silver RxBenefits ONLY Plan Summary_Sparrow Team Members

 

Silver Health Plan (PPO) overview:

  • Annual deductible (2026 listed):
    • $500 for team member only coverage within U-M Health Network
    • $1,000 for team member plus spouse, child(ren), or family coverage within U-M Health Network
  • Coverage requirements:
    • Enrolled members pay out-of-pocket for medical services received with a copay including prescriptions, or until they meet their annual deductible, except for preventive services (ex: Annual physical exam, well child visits)
    • Deductibles must be met in full before the plan pays for services with no copay; co-share applies after the deductible is met
    • Our PPO plans have embedded deductibles: individual deductibles apply
  • Enrollment requirements:
    • Team members covered by a high-deductible health plan (HDHP) may not enroll in a non-HDHP (our Silver or Gold PPO Plans) or make or receive FSA contributions
      • Non-HDHP coverage includes Medicare, Medicaid, Tricare
      • Team members enrolled in the Silver Health Plan should not make or receive HSA contributions, but can participate in the health care FSA
  • FSA contribution limits (2026 listed):
    • $3,300

Contributions are pre-tax, and FSA funds can be used on eligible items. FSA funds do not rollover year after year, but there is a 2 ½ month grace period where you can incur expenses from Jan. 1 to March 15 of the following plan year to use up unspent funds.

  • Eligible expenses: Eligible expenses include out-of-pocket expenses related to doctor visits, prescription medications, dental/vision exams and much more
  • F.S.A. card: WEX debit card tied to individual healthcare FSA accounts will be issued. Team members can request additional cards from the vendor.
  • Employer contribution: There are no FSA employer contributions; all funds are team member contributions only.
  • Additional FSA resources linked below the pharmacy information.

 

Pharmacy Benefit Manager information (RxBenefits):

Additional F.S.A. Resources:

More on Flexible Spending Accounts

Wex contact information:
Contact Wex for questions about debit cards (including requesting new cards), mobile app/website support, etc.
866-451-3399
customerservice@wexhealth.com
Benefits Account Login | Benefits Administration Acct Login | WEX Inc. Login

Important compliance note:
Team members electing FSA benefit options are responsible for managing compliance with IRS FSA rules.